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LIBRARY OF CONGRESS, 



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Shelf i$&£. 

UNITED STATES OF AMERICA. 



B. H. WARNER, A. T. BRITTON, E. S. PARKER 

PRESIDENT. VICE-PRESIDENT. CASHIER. 



• • • THE • . "• - • 

CoIumMa jf iional Baql 

WASHINGTON, D. C, 

911 K STREET, N. W., 

LOCATION VERY CENTRAL. 



DIRECTORS. 

Chas. B. Bailey, Benj. F. Leighton, 

W. E. Barker, Hugh McCulloch, 

A. T. Britton, O. G. Staples, 

C. C. Duncanson, Crosby S. Noyes, 

Jno. Joy Edson, M. M. Parker, 

Albert F. Fox, Geo. Truesdell, 

W. B. Gurley, B. H. Warner, 

H. K. WlLLARD. 



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$&K $&W#. 






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Copyrighted, 1889, 

BY 

Brainard H. Warner. 



Press of John F. Sheiry, 
Washington, D. C, 



®fx* 'Bnnking I3ttsit«$^ 




'USINESS customs and facilities are 
constantly improving, and individ- 
uals are accomplishing more than 
ever before. Women are becoming impor- " Im P ort - 
tant factors in the business world. They an ce of Wo- 
are recognized as most efficient helpers in men in the 
counting-houses, offices, stores, and other Business 
places, where patience, ability, and good judg- w «, 
ment play an important part. They occupy 
not only subordinate positions, but are fast 
taking rank as principals at the head of many 
large enterprises. Those who are familiar 
with the business of Wall street, and have an 
acquaintance with large investors, know that 
the money of women furnishes a vast amount 
of capital for various enterprises, 



Many women, however, do not understand 
the details of banking, and to them every- 
thing connected with financial transactions 
seems to be enveloped in mystery. There 
The Bank- ^ g no thing mysterious about a bank. It is 
ing Business simply a place where money is deposited, 
either with or without interest, and from 
whence it may be withdrawn, either with or 
without notice, according to the rules of the 
institution. Money is a medium by which 
business transactions are carried on with all 
parts of the world, and the care and invest- 
ment of it is learned by education and experi- 
ence. Although the theory may be mastered, 
years of practical dealing are required to enable 

one to become acquainted with the rules of 
Banks not , . 

absolute security. Ladies commencing busi- 

mystery. negs (j es i re an( j ought to have much informa- 
tion, and frequently are reluctant about ask- 
ing for it. This book is designed for this 
class. 



The first inquiry to make when you con* 
template opening a bank account is, " IS THE 
BANK SAFE ? » This you can determine by 
its public reputation and by inquiry as to its 
managing officers and directors. Are the di- 
rectors active business men who take a per- 
sonal interest in the bank? Is the location of 
the bank convenient? Are its vaults both 
burglar and fire-proof, and provided with 
modern appliances to protect it against acci- 
dent and crime? If such be the case, you need 
no assurance that your funds will be more se- 
cure than when kept at home in an old box 
hid away in the cellar, in your trunk, or in 
the bureau drawer. It would indeed furnish 
much astonishing as well as interesting in- 
formation to know how many millions of 
dollars pass annually out of existence, because 
at the death of the owner they are hid away 
in such secure places as forever afterward to 
avoid discovery. Gold is frequently found in 



Is the 
Bank Safe, 



What kind , 
of Directors 
Manage the; 
Bank? 



8 



Money lost 
by hiding it 
for safety. 



What to 
[do on enter- 
flng a Bank. 



out-of-the-way places, where it has undoubt- 
edly been for more than a century. It is 
much safer to transact business by check and 
let the bank handle your money than to pay 
it out personally, because you not only avoid 
mistakes in counting, but the endorsement 
on the check is virtually a receipt. 

On entering the bank inquire for the cash- 
ier, and if convenient take with you some one 
who can introduce and identify you as the 
person you profess to be. If you go alone 
do not feel hurt if a number of questions 
are asked you, as men have to answer 
the same interrogatories. While you may be 
perfectly honest, a large percentage of people 
make their living by being sharp, and, be- 
sides, it is necessary to establish those confi- 
dential relations which ought to exist in all 
financial transactions, so that the cashier may 
know something more about you than he 
could ascertain by merely looking at you and 



taking your name on the book. He will, if 
satisfied, have you place your signature in a 
large book, which is used to compare the 
name signed to your checks as they come in 
from time to time. These comparisons are to 
prevent forgeries, which you know are fre- 
quently attempted. The cashier will intro- 
duce you to the receiving and paying tellers, 
and probably the bookkeeper. He will also 
show you how to make out a deposit ticket, 
which is a small memorandum, showing how 
much you deposit, and whether in checks, 
currency or coin. This will be handed to the 
receiving teller, whose business it is to take 
deposits. He will then give you a small bank 
book in which you will be credited with the 
amount of money named on your ticket. 
When you deposit money always go to the 
receiving teller, and when you wish to draw 
money out of the bank, or obtain a draft, 
present your check to the paying teller. Don't 



Taking 
your signa- 
ture. 



Cashier 
will intro- 
duce you. 



8 

be disappointed if, when you visit the bank 

the second time, the officers and clerks do 

not seem to recognize you; remember that, 

How to de- s i nce your last visit, they have transacted 

posit money, business with many thousands of people and 
have had to exercise the same care that they 
manifest in dealing with you. Do not get out 
of patience if there are two or three ahead 
of you in the line; business men, whose 
time is exceedingly valuable and who prob- 
ably have a number of people waiting for 
them, do not like to step aside with the 
manner of a Chesterfield to allow a lady, 
whose time is comparatively her own, the 
preference, and the customers of a bank are 
often more sensitive than the patrons of a 
street-car line. When you wish to have your 

tience. book balanced hand it to the receiving teller, 

who will attend to it for you. 

3V {Specie is an order for money drawn 
by one who has funds in the bank, payable on 



9 

demand. Checks are frequently certified as 
"good" by an officer of the bank on which What is a 
they are drawn, and this binds the bank as c u ec j. 
an acceptor. It is the practice to immedi- 
ately charge such checks to the account of 
the drawer of the check, although they may 
not be presented for payment for weeks. 
Checks may be made payable to bearer, but 
for greater safety, and especially if drawn for 
large amounts, they are usually drawn to 
"order. 77 If the bank pay a forged check 
it cannot charge the amount to the depositor, Checks 
whose name has been forged, but it may re- usually 
cover the money from the one who has inno- <* rawn to 
cently presented the check and to whom , 
the money was paid, providing the demand 
for the return is made immediately. 

In signing checks remember always to sign 
them in exactly the same way and manner 
in which you signed your name on the books 
of the bank. If this is not done you may 



10 



Do not de- 
stroy certi- 
fied check. 



Write 
checks 
plainly. 



possibly be subjected to some annoyance by- 
having your check refused. For instance, 
Jane Smith may have left her signature as 
"Mrs. John Smith, 7 ' and she must sign accord- 
ingly. 

Bemember that, if you get a certified check, 
and wish to get another for a different amount, 
it will be a very unwise proceeding on your 
part to destroy either the one or the other, as 
the bank will require of you a bond of indem- 
nity before it will issue a duplicate, no matter 
how truthful you may be or how earnest your 
explanation as to the mistake. 

Write plainly in the body of the check the 
amount you wish to express, as, according to 
law, figures are of the least consequence, 
although it is, of course, always well to have 
them correct. Banks generally take the writ- 
ten amount for their guide. Commence to 
write as far to the left of the check as possible, 
and when you have written the amount fol- 



11 



low up the blank space with a line, so as to pre- 
vent its being changed. It will be well to get 
a good sized check book, with at least three 
checks on a page, so that you can keep a correct 
account on it of the amount you have drawn 
from the bank. This you can do by the ad- 
dition of the amounts of your checks from 
time to time. Don't put this off until your 
check book becomes exhausted, but be sys- 
tematic about it. You can also enter the 
amount of your deposits at the bank on the 
margin of your check book, unless your busi- 
ness is too large to keep track of it in this 
way. 

You should never send a check through 
the mail drawn to " bearer, 7 7 although you 
may, without hesitation, transmit those 
drawn to "order. 77 If any loss occurs the 
bank should at once be notified and pay- 
ment stopped. A great many amusing mis- 
takes happen, but few of them are attended 



Keep ac- 
count on 
margin of 
check book. 



Never 
mail checks 
drawn to 
bearer. 



12 



Large ex- 
tent of Bank- 
ingbusiness. 



Overdraft. 



with loss. Consider for a moment the 
vast aggregate of the daily and weekly 
transactions of the different banks through- 
out the country, and you will see that per- 
fect system is required to insure absolute 
accuracy. 

Do not be offended if you receive notice from 
the bank that your account is overdrawn. 
This information is sent to quickly detect for* 
geries or mistakes. Many gentlemen become 
angry when they get notice of an overdraft, 
and consider it a reflection upon their credit, — 
that the bank is not willing to trust them 
for a few dollars, although this is not the 
case. Banks do not like overdrafts. An 
amusing story is told of a French banker who 
had a customer who was constantly making 
checks for more money than he had on de- 
posit. The banker took him aside one day 
and told him that he evidently had a wrong 
idea^ of the business ; the bank had undertaker* 



13 

to keep other people's money on deposit, but 

the customer had opened his account with 

a view of keeping the bank's, and that he had 

better seek another financial institution. A Story of 

lady opened an account, received a check a F renc h 

book, and very soon had drawn out more _ , 
7 ° Banker. 

money than she had on deposit. Upon being 
reminded of the fact she became quite indig- 
nant, and said the bank had better get a new 
bookkeeper, as she still had several checks 
left. 

3k- Mt&tt is a written order or request 
from one person to another for the payment 
of money at a specified time* Drafts afford 
the safest and most convenient way of re- 
mitting money. It is always safest to have 
a draft made to one's own order, and then Drafts, 
endorse it over to the person to whom it is de- 
sired to remit. This is done by writing on 
the back of the draft, " pay to the order of 
John Jones," substituting for John Jones, 



14 



Coupons. 



however, the name of the person to whom 
you wish to send the money. 

Si ISottii is an evidence of indebtedness 

A Bond. usually given by a corporation, and is secured 
by some kind of property, either real or per- 
sonal. 

CottpOUS are the interest certificates at- 
tached to bonds or notes. There are as many 
of these certificates as there are payments to 
be made, and at each payment one of them 
is delivered and is a receipt in itself. 

3\. JHotg is a promise to pay a certain sum 
of money to a certain person at a given time. 
Notes generally bear interest, but it should be 
so expressed. In the District of Columbia any 

A Note. rate of interest is legal, up to 10 per cent, per 
annum. Many ladies think notes are invalid 
if they are not drawn to order or if interest or 
value received is not specified, but this is not 
the case. Make your notes payable at the bank 
wh.ere'youJb;eep your deposit. Keep a careful 



15 



record of the dates of maturity of all your 
notes. It is customary with nearly all banks 
to notify the makers of notes a few days 
before they are due, but this is only an act of 
courtesy and not an obligation. It is best to 
pay your note before it is due, rather than 
wait until the last day. If another bank holds 
your note get your banker to certify your 
check. This is a rule which banks, in en- 
forcing, have to apply to all alike. 

33&r^ Of <5?aC£* Negotiable prom- 
issory notes or bills of exchange are entitled 
to three days' delay of payment beyond the 
time expressed, which are called " days of 
grace," unless " without grace" is expressed 
on the paper. These days are so called be- 
cause they were formerly gratuitously al- 
lowed, but now in the United States and Eng- 
land they are demanded of right, the custom 
having passed into law, and banks are enti- 
tled to interest for the three days. When the 



Keep a 
record of 
Notes. 



Days of 
Grace. 



16 



Notes fall- 
ing due on a 
holiday. 



Endorse- 
ments. 



third day falls upon Sunday, or a holiday, 
payment is due on the preceding business 
day. 

3End0?$£m£ttt$+ By endorsing a 
check, draft, or note, which is done by writ- 
ing your name on the back, you make 
yourself liable for payment in case the payor 
fails to meet it at the proper time, as the en- 
dorsement implies that you have received the 
value of the same. Endorse checks or notes 
by writing your name on the back, about 
three inches from the top. If, however, 
there is an endorsement by another person, 
it is proper to write your name directly under 
this signature, even if it is written across the 
wrong end. Should your name in the check 
be spelled wrong, or the initial changed, and 
the check is clearly intended for you, write 
your name as the check has it, and under it 
your usual signature. Endorse every check 
you deposit, even if payable to bearer. 



1? 



&f\& 3E*t2kOt^g£ is the person in whose 
favor the endorsement is made, and the EN- 
DORSER is the one who writes his name on 
the back of the check, draft, or note. When 
the name of the endorsee is not mentioned 
the endorsement is considered to be in blank, 
yet binds the endorser. The last endorser 
may maintain action against any former 
endorser, and so may any endorser against 
all that precede him. You may qualify 
or limit your endorsement by making a 
specific contract on the back of the note in 
writing. Banks frequently permit endorsers 
to waive demand notice and protest when 
notes are given, and the endorsers will then 
be liable without further notice. If you leave 
at your bank for collection a note on which 
you are the only endorser, or a draft drawn 
by yourself, there is no one to hold but your- 
self, and you should instruct the bank not to 
protest. 



An En- 
dorsee. 



Endorse- 
ment may be 
limited. 



18 

^t&tt&t is the notarial act performed 
when a draft, check, or promissory note pre- 
sented for payment is not paid. When the 

A Frotest. payor fails to meet his obligation, the endor- 
ser or endorsers must be notified at once of 
such failure for his or their protection. If 
such notice is not given the endorser will be 
released and the bank itself becomes liable. 
In order to prove that notice has been served 
the bank employs a notary public to serve it, 
and he issues his certificate to that effect and 
attaches it to the paper. It is customary for 
the party at fault to pay the protest fees, 
ranging in different places from one to four 
dollars in amount. 

3PtSC0ttttt is the allowance or rebate for 

Discount. prompt payment on a bill which is not yet 
due, or the sum paid by way of interest for 
the advance of money on a note or draft. 
Discount day is the day on which the direc- 



19 



tors or committee attend at the bank to lend 
money on notes or drafts. 

fCfcttfctS Of Out^att* If you wish to 
take a journey abroad you must provide 
means to pay your expenses. To do this ask 
the cashier to give you either a letter of credit 
or a bill of exchange, drawn on some reliable 
banking house which you can safely trust 
in the section through which you propose to 
travel. He will give you full particulars of 
the expense and means of procedure. It is 
now a very simple matter to travel in foreign 
lands. A letter of credit is nothing more than 
the endorsement of the bank with which you 
deal, crediting you with a certain amount of 
money for which they will honor your drafts. 
The cashier will explain to you the mode of 
using the letter. 

&f\& dating HottS£ is a place to 
which bankers are in the habit of sending 
glerks with various bills and checks upon 



Letters of 
Credit. 



The Clear- 
ing House. 



20 



Clearing 
House. 



Collec- 
tions. 



other banks or bankers, received in the regu- 
lar course of business. The representatives of 
the different institutions exchange checks or 
drafts, and the balance, on one side or the 
other is paid either in cash or clearing-house 
certificates. This business custom has greatly 
simplified commercial transactions, and in 
large cities many millions of dollars change 
hands every day with the use of a compara- 
tively small amount of currency. 

dkoitectiOtt^* Banks make collections 
for their customers either in or out of the city 
free of charge. If you wish to draw a draft 
on a person in another place you can do so 
through your bank. Leave ail your notes and 
drafts at the bank some days before they are 
due, in order to give ample time to notify the 
payer. 

Banks are not required by law to send no- 
tices of the maturity of notes. They do this 
simply as an accommodation. If you fail to 



of notes. 



21 

get notice do not become angry, as letter car- Banks not 
riers may make mistakes. The officers of a reauired to 
bank will never, knowingly, do you an in- send notice 
justice. 

Ladies are generally more reliable cus- 
tomers than men. They do not indulge in 
*' kiting. " I will have to explain this term 
for the benefit of the ladies, and as a mild 
hint to many of our male customers who in- 
dulge in this practice. Kiting is generally 
carried on where parties exchange checks and 
deposit them in bank after the runner has 
gone to the clearing-house. This gives the Kiting, 
use of money for a day. Kiters generally 
travel in herds, and bankers soon learn to 
know them. Sometimes they reside in dif- 
ferent cities, and by exchanging checks gain 
the use of quite a sum of money on which 
they do not pay interest. 

I dislike to suggest that a married woman's 
note has really no commercial value, but §ueli 



22 



Married 
women's 
notes. 



Banks 
willing to 
loan. 



is the case ; so, if you enter the matrimonial 
state and wish to make a loan, do not feel 
hurt if the banker suggests that you had 
better get a good endorser. Men have to do 
this. Banks are always willing to lend their 
funds to reliable people, but where they deal 
with a large number they must, of course, 
limit the amount of loans to each individual, 
and regular customers will have the pref- 
erence. 

If you wish to borrow you had better make 
application several days before you want the 
money ; sometimes there is such a great de- 
mand that bankers are not able to supplv it 
as they are required by law to keep 25 per 
cent, of all deposits as a reserve. Always 
make your own calculations of interest, as 
bankers, as well as individuals, are liable to 
make mistakes. 

See to it that your deposits are properly en- 
tered in your bank book, have your book fre- 



quently balanced and your checks surren- 
dered. If you find any serious mistake you 
should report it to the cashier. Do not ex- 
pect to have your book balanced the same day 
you leave it, for, as a rule, the employees are 
exceedingly busy and have many books 
ahead of yours. 

Attend to your business during banking 
hours ; do not ask to have exceptions made 
in your favor either before the vault is opened 
in the morning or after the doors are closed 
in the afternoon. Frequently bank clerks 
work harder than laboring men, and often do 
not leave the bank until their customers are 
fast asleep. After the bank is closed in the 
afternoon the business of the day has to be 
straightened up, cash and books balanced, 
mail sent out, and if there happens to be an 
error the entire business must be gone over 
again and again until it is detected. 



See your 
deposits are 
properly en- 
tered. 



Do not 
ask special 
favors. 



Hard work 
of Bank 
Clerks. 



24 

You will need information on many points. 

Do not hesitate to ask, either by letter or in 

person, and it will always be gladly furnished 

get informa- by the officers and employees of the Columbia 

tion. National Bank, 911 F street, N. W. 



5o tl?e ladies of U/as^ii^toQ, 



For Holiday Gifts we are showing the 
dantiest creations in art needlework, in orig- 
inal designs, and attractive shapes of ex- 
quisite workmanship— both useful and dec- 
orative. 

There are Sofa Pillows, Travelling Cush- 
ions, Scarfs, Tidies, Art Draperies and " Nick- 
nacks " innumerable. 

Ornaments and Draperies for the Parlor, 
Dining Salon, Sitting Room, and Boudoir. 

Beautiful effects in Fancy Table Linens for 
Teas, Beceptions, At Homes, and State Din- 
ners. 

Implements and requisites for fancy needle- 
work of every description. 

(Second floor, first and second annexes, front.) 

WOODWARD & LOTHROP, 

Cor. 11th and F Sts., 1ST. W, 



M. M. PARKER, 

Real Estate and Loan Broker, 

1418 F STREET, N. W. 



Investment Securities paying 6 per cent. Constantly 
on hand. Also 6 per cent. Omaha Bonds, guaranteed. 




GtJRLBY BROS., 

1335 F Street, N. W., 
WASHINGTON, D. 6. 

Local $ecu$ftieg Bongp and 0old. 

Telephone Call, 390. 



LADIES 



DO YOU NEED • ■ 

• • A NEW PIANO? 

Is your present piano all that you desire in tone, 
style and finish? If not, you are cordially invited 
to examine the Bradbury Upright Piano. Sold for 
cash or on installments of §10 .monthly. Full value 
given for your old piano in exchange. 

Bradbury Palace of JV^usie, 

1225 PENNA. AVENUE. 



8. S. SHEDD&BRO., 

No. 432 NINTH STREET, N. W., 
5Vlodern ^ plumbing ^a^ Specialty. 

All Orders Promptly Attended to. 

One of the finest assortments of gas fixtures, 

lamps and shades south of Philadelphia 

at the disposal of our patrons. 



Offices: N. W. Cor. 10th and F Streets. 



Brainard H. Warner, President. 
John Joy Edson, "Rce president. 
William B. Robison, Secretary. 
William B. Gurley, Acting Treasurer. 
Jno. B. Larner. General Counsel. 
Jos. J. Darlington, \ AdvisoriJ co Un o Pl 

A. S. WORTHINGTON,;^ 10 "^ 07 ^/ ^ ounseL 

DIRECTORS. 

Charles B. Bailey. George F. Schafer. 

James L. Barbour. T. Franklin Schneider. 

George E. Bartol. Thos. Somerville. 

Richard W. Clay. John A. Swope. 

Samuel Cross. J. S. Swormstedt. 

J. J. Darlington. Hattersly W. Talbott. 

John Joy Edson. George Truesdell. 
Charles J. Faulkner. B. H. Warner. 

Albert F. Fox. Chas. Benj. Wilkinson. 

O. C. Green. A. A. Wilson. 

William B. Gurley. L. D. Wine. 

John B. Larner. S. W. Woodward. 

A. S. WORTHINGTON. 

This Company is now ready for the transaction 
of business. Certificates of indebtedness bear- 
ing interest for three months and upwards can be 
had on application. 



LADIES 

^ : : . ^ . . ■ \ 

Save Time and Annoyance in buying Clothing 
for your boys. 

The Very Newest Styles. 
E. B. BARNUM & CO., 

NO. 931 PENNSYLVANIA AVENUE. 

HARVEY'S 
L&DIES 1 RESTAURANT AND OYSTER SALOON, 

1016 Pa. Ave., N. W., Washington, D. 0. 

Famous Steamed, Panned and Roasted Oys- 
ters, as well as every dish known to the 
palate, served at all times. 



5 



PEKCERIAH BUSINESS COLLEGE, j ^ 

Over National Bank of the Bepnblic, 

C^or. Jeueptl? apd D Streets, f/. U/. 

Complete Practical Instruction given in All 
Lines of Business. 

Ladies taught Type- writing and Stenography 
in the Shortest Possible Time. 



The doIumMa Title fqguif&nce (k, 

Cor. 5th and E Sts., N. W., 

WASHIUGTOH, D. C. 

Ca/plta,l $150,000, ZFstid. In. 

OWNS ITS FIRE-PROOF BUILDING. 

Titles to District Real Estate examined on short 
notice. 

Holders of Loans and owners of Real Estate Insured 
Against Loss. 

WM. E. EDMQNSTON, Prest. JOHN D. COUGHLAN, Secy . 

Wm. E. Edmonston. Allen C. Clarke. Benj. F. Leighton. 

Wm. A. Gordon. Wm. B. Gurley. Myron M. Parker. 

Henry K. Willard. Bernard H. Johnston. Frank T. Rawlings. 
John T. Arms. James M. Johnston. Edw. J. Stellwagen. 

Brainard H. Warner. 

fSTOCZSf 

TEE MOST DESIRABLE INVESTMENT FOR LADIES, 

BANK STOCK. 

INSURANCE STOCK. 

STREET RAILWAY STOCK. 
SAFE DEPOSIT STOCK. 

If you want to buy or sell or loan money, 
either on long" or short time, call on 

F. H. PELOUZE, 

No. 1313 F Street, Northwest. 



The Columbia Ffrs Iqgnflince (Jompag 

OF THE DISTRICT OF COLUMBIA. 



TRUSTEES, 
M. M. Parker. Robt. O. Holtzman. 

Robt. I. Fleming. Frederick B. McGuire. 

Thomas M. Gale. Geo. H. B. White. 

Chas. C. Glover. Brainard H. Warner. 

Henry A. Willard. 

OFFICERS. 
HENRY A. "WILLARD, President. 

FREDERICK B. McGUIRE, Vice-President. 
H. K. WILLARD, Secretary. 

W. D. QUINTER, Asst. Secy. 

Office, Kellogg Building, 1416 F St. N. W. 

J. R. FREEMAN, 

N. W. Cor. 13th and E Sts, N. W., 

floral J(rtisf , 

Houses Decorated in the most Tasty and 
Satisfactory Manner. 

If you are going to give a Reception tell me how 

niuch you want to expend and I will make 

your parlor a bower of beauty with 

no further trouble to you. 

f\\\ \{iT)ds of <?ut flowers 09 papd. 



B. H. Warner, 

GEO. W. P. SwART^EU,, 

L. D. Wine; 
Comprise 
the firm of 

B. H. WARNER & CO. 

Their office 
is 

WARNER BUILDING, 

916 F Street, N. W. 

They sell 
Reai, Estate/ 
Negotiate Loans, 
and Rent Houses. 

They ask an 

opportunity 

to serve 

you, and invite correspondence. 



GAS 

STOVES 

FOR COOKING AND HEATING, 

FOR SALE BY THE 

<Ia§-£igkt 

Teptl? 5 treet > b<?tuieer? D ai?d E. 

PRICE OF GAS: 
If paid at the Company's Office within Seven 
Days from rendition of bill, $1.25 per 1,000 
Cubic Feet. 



EQUITABLE 

C, B, 

ASSOCIATION. 

ASSETS, $1,119,062.77. 



Monthly Payments, $2.50 per Share. 

$1,000 Advanced on Each Share. 

New Issue May and Nov, Each Year. 



>£~~^ 



<5>I?e Objeet of tl?e /tesoeiatioi) 

Is to enable and encourage its members— first, to 
make regular monthly savings, on shares of fixed 
amounts, and realize thereon fair and sure profits ; 
second, to purchase, pay for, and acquire homes and 
other property by obtaining advances from the As- 
sociation at reasonable rates of interest, to be repaid 
in monthly instalments, with the privilege of set- 
tling all or any portion when desired. 

FOR PAMPHLETS, explaining the object and 
advantages of the Association, and for additional in- 
formation, apply to 

Jno. Joy Edson, Sec'y. 

EQUITABLE BUILDING, 1003 F STREET. 

OFFICE HOURS: 9 a. m. to 4.30 p. m 



LIBRARY OF CONGRESS • 



mi 

021 048 484 A 



£P*V 



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